Guardian Property | January 18

Property

January 18, 2019

& LIFESTYLE

Wow

LOOK AT ME NOW Proudly marketed by Bayleys

FURTHER DETAILS

P10

WE NOW HAVE LANDSCAPE SUPPLIES

OPEN 7 DAYS AND LANDSCAPE SUPPLIES

171 ALFORD FOREST ROAD 308 0006

10

FREE

SPECIAL Wow JANUARY look at me now 22 Cross Street, Allenton This 1960’s solid well built brick, freshly painted home with a new roof has been renovated to a high standard with matching decor. It’s just like brand new, stunning kitchen, bathroom, laundry and three double bedrooms. Nothing needs done here.

Warm and cosy home with a compliant log burner. LED lighting and some double glazing. Open plan living with a spacious lounge leading to an open plan kitchen and dining room.

OPEN PLAN Lounge, kitchen, living and dining all open.

Luxury Leather Upgrade3 1

Summer days are meant to be spent outside and you sure can at this property.

The massive deck looks out onto the lawn so you can watch the children exploring and/or enjoy outdoor entertaining.

Detached double garage with covered connector to the house. Loads of secure off street parking.

I would be in quick to make an offer ® before the deadline to secure this lovely family home.

PARKING Off street parking and double garaging.

WE APPRECIATE YOUR FEEDBACK

2

Buy a Stressless recliner PRICE or sofa BY NEGOTIATION this month and enjoy a FREE DEADLINE SALE upgrade* from standard Batick RENOVATED 7 FEBRUARY 2019 leather Renovatedto to the such aluxury high (IF NOT SOLD PRIOR) of premium standard for families to move in and enjoy. quality Paloma or Cori bayleys.co.nz/559146 leather.

ADVERTISING Emma Jaillet-Godin | emma.j@theguardian.co.nz | 03 307 7936

DESIGNER COMFORT MADE IN NORWAY

Eliza Waszczak

Phone 03 307 7377 or 022 350 2269

DESIGNER Yendis Albert

FREE JANUARY SPECIAL

Luxury Leather Upgrade

DESIGNER COMFORT MADE IN NORWAY

Buy a Stressless® recliner or sofa this month and enjoy a FREE upgrade* from standard Batick leather to the luxury of premium quality Paloma or Cori leather.

FURNISHINGS | FLOORING | CURTAINS

Burnett Street, Ashburton Phone (03) 308 5269 | www.redmonds.co.nz

DESIGNER COMFORT MADE IN NORWAY

DESIGNER COMFORT MADE IN NORWAY

11

WHAT TO ASK WHEN ASKING FOR A

home loan

Mortgage rates

4.79

% P.A.

2 years

4.69

%

P.A.

2 years

4.79

%

Kevin Lampen-Smith

REA

P.A.

2 years

Low interest rates and easing restrictions on home loans may be making property ownership look more attainable for some buyers, but that doesn’t mean mortgages are easy to get.

“If you’ve got your deposit tucked away and you’re seriously looking for somewhere to buy, it’s a good idea to start shopping for a mortgage before you need one,” says Real Estate Authority (REA) chief executive Kevin Lampen-Smith.

“The home-buying process can move fast, and it makes things much easier if you’ve already got a lender on side.

This is known as pre-approval and it can take a lot of the uncertainty out of knowing what you can afford.”

First up, a lender will want to know how much deposit you have. Most lenders expect first home buyers to have at least 20 per cent of the amount they want to borrow. With the average New Zealand house price now at $550,000, that means you’ll need to show that you’ve saved $110,000 if you want to buy a property at that price.

They’ll also ask you how much you earn and how much you spend, along with details about any other debts or loans you might have.

“While the bank or financial institution needs to make sure you’re a safe risk, there are two sides to this relationship,” Lampen-Smith says. “It’s important that you feel confident about what you’re signing up to before you commit.”

He says that your first question – after how much they will let you borrow, and

5.45

% P.A.

2 years

4.79

%

P.A.

2 years

what the interest rate will be – should be about fees: what will you have to pay for taking out this mortgage?

For example, will you have to pay a low equity fee if you have less than 20 per cent deposit? Will there be any penalties if you pay off a chunk of the mortgage early? Can they waive your normal account fees if you take out a mortgage?

Sometimes a lender may want to loan you more than you’re comfortable paying out of your weekly income.

“Remember that you must be able to afford the repayments and you don’t have to borrow up to your highest limits if you don’t want to,” Lampen-Smith says.

“Ask what the best way is to structure the mortgage based on your circumstances, and whether this is flexible if things change.”

For example, are you better off with a table loan (where you sign up to make regular payments for a set term up to

30 years), or will you be able to pay it off faster if you have a revolving credit loan or offset mortgage? Also, will you still be able to afford the mortgage payments if the interest rate goes up? If the property needs a lot of renovation work to become liveable, could an interest-only loan work? LampenSmith says the lender or a mortgage broker should be able to explain all the pros and cons of these different loan types, including how they’ll affect your payments and the total amount you’ll have to pay.

Most lenders will require you to have insurance for a property when taking out a mortgage. You may be encouraged to get this insurance through the lender or sign up to any number of other insurance policies, such as mortgage protection, income protection and life insurance.

“Look at these carefully,” LampenSmith says. “Don’t feel pressured to sign up but do think about how you’ll manage if things change for you in the

*At the time of printing future. Life changes don’t respect the terms of a mortgage and you might find yourself wanting or needing to sell the house and buy another one. Ask the lender if the mortgage (and its terms and conditions) is portable to another property.”

Some lenders offer sweeteners to entice people to sign up with them.

Examine the conditions of these deals carefully. Don’t let the short-term ‘carrot’ of a $200 gift voucher blind you to a higher interest rate.

“Signing up to a home loan is like entering any long-term partnership,” says Lampen-Smith. “Do your homework before you commit and you’ll be a lot better off in the long run.”

For independent guidance and information on buying or selling, check out settled.govt.nz.

– REA

Today’s construction is tomorrow’s legacy If a home of excellent design and exceptional quality of workmanship is important to you, then look no further than Des Millar Construction. The quality home builders.

 Housing  Commercial  Farm  Renovations

With more than 30 years of building quality homes for the Mid Canterbury community, Des has a strong reputation for “old school” workmanship, backed by results.

For housing, Commercial, farm buildings and renovations, contact Des anytime for a free no obligation quote on 03 308 9936 or 027 432 3258

TM

Methven 8 Camrose Avenue

Netherby 30 Mitchell Place

Love the location, love the lifestyle

3

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Permanent material three bedroom home built in 2018, exterior Linear and brick cladding. Open plan kitchen, dining and living area. Master bedroom has ensuite and walk-in robe. Double garage with internal access. Available with furnishings.

Asking Price $585,000 View by appointment John Lamb 022 171 8321 john.lamb@bayleys.co.nz

2

WHALAN AND PARTNERS LTD, BAYLEYS, LICENSED REAA 2008

A home with feel good vibes

3

You'll love this three bedroom classic home, featuring an open plan kitchen, living and dining area. New carpets and tastefully decorated. Single garage, carport and off street parking. Very nice home.

Asking Price $348,000 View Sat 11.45am-12.15pm or by appointment Eliza Waszczak 021 039 1770 eliza.waszczak@bayleys.co.nz

bayleys.co.nz/557883

bayleys.co.nz/559223

Allenton 117 Racecourse Road

Allenton 38 Creek Road

Westside bargain

3

A warm home that has been carefully looked after.

There are three bedrooms and a good sized living area with a conservatory and deck for entertaining.

A three car garage and room for off street parking.

For Sale offers invited over $368,000 View Sat 10.45-11.15am or by appointment Mick Hydes 027 437 9696 mick.hydes@bayleys.co.nz

bayleys.co.nz/558730

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WHALAN AND PARTNERS LTD, BAYLEYS, LICENSED REAA 2008

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This home is located in a top Allenton location.

Situated on a very private 1,146m2 back section. The home has four bedrooms plus a huge conservatory built for all day sun. There is also an office or formal dining room. Bathrooms are upstairs and down

For Sale offers invited over $621,000 View Sat 11.30am-12pm or by appointment Mick Hydes 027 437 9696 mick.hydes@bayleys.co.nz

3

WHALAN AND PARTNERS LTD, BAYLEYS, LICENSED REAA 2008

3

A three bedroom home with beamed ceilings, featuring a sun filled lounge/garden room, an attractive kitchen and dinning room. Heating by heat pumps. All on a mature 1,669m2 stream boundary section. This home is full of character.

Deadline Sale (unless sold prior) 4pm, Fri 1 Feb 2019 201 West St, Ashburton View Sat 10.30-11am or by appointment Ray Knight 027 434 0139

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WHALAN AND PARTNERS LTD, BAYLEYS, LICENSED REAA 2008

WHALAN AND PARTNERS LTD, BAYLEYS, LICENSED REAA 2008

Stylish modernised home

2

After a top to toe renovation step inside and admire this modernised two generous bedroom home. A beautiful kitchen, tiled bathroom, separate laundry with plenty of storage, a cosy lounge with a log burner and an office attached to double garage.

Price by Negotiation View Sat 11.30am-12pm or by appointment Eliza Waszczak 021 039 1770 eliza.waszczak@bayleys.co.nz

bayleys.co.nz/558307

bayleys.co.nz/559066

Allenton 26 Charles Street

Allenton 33 Andrew Street

Upmarket and classy

4

The Vendors invite offers in the vicinity of $550,000.

This immaculate four bedroom home on a 930m2 landscaped section has a new kitchen, new floor coverings and quality window finishings. Two large living areas, log burner and HRV system.

Asking Price $550,000 View by appointment Jenny Gray 027 452 2888 jenny.gray@bayleys.co.nz

bayleys.co.nz

1

Ashburton 8 Charles Street

All class here

bayleys.co.nz/557912

1

Classic clinker brick home

bayleys.co.nz/559168

Allenton 21 Churchill Avenue

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WHALAN AND PARTNERS LTD, BAYLEYS, LICENSED REAA 2008

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WHALAN AND PARTNERS LTD, BAYLEYS, LICENSED REAA 2008

Ideal family home - Allenton

4

Vendors invite offers in the vicinity of $375,000.

Attractive four bedroom home situated on a fully fenced section. Schools and shopping center at your doorstep. The two living areas open onto a sunny patio. Good sized garden for children and pets.

Asking Price $375,000 View Sat 11.15-11.45am or by appointment Jenny Gray 027 452 2888 jenny.gray@bayleys.co.nz

bayleys.co.nz/558965

1

1

WHALAN AND PARTNERS LTD, BAYLEYS, LICENSED REAA 2008

Allenton 22 Cross Street

Netherby 41 Brucefield Avenue

Wow look at me now

3

This 1960's solid brick home has been renovated to a high standard. Stunning kitchen, bathroom, laundry and three double bedrooms. Warm and cosy home.

Open plan living with a spacious lounge.

Deadline Sale (unless sold prior) 2pm, Thu 7 Feb 2019 201 West St, Ashburton View Sat 10.30-11am or by appointment Eliza Waszczak 021 039 1770

bayleys.co.nz/559146

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WHALAN AND PARTNERS LTD, BAYLEYS, LICENSED REAA 2008

My first home

3

1

1

1

A fantastic start to home ownership. This home offers a large living room which is heated by a heat pump. Three bedrooms and mains pressure water cylinder. Grounds are tidy and security fenced for your children and pets safety. Schools close by.

Asking Price $310,000 View Sat 10-10.30am or by appointment Mick Hydes 027 437 9696 mick.hydes@bayleys.co.nz WHALAN AND PARTNERS LTD, BAYLEYS, LICENSED REAA 2008

bayleys.co.nz/559136

FINAL NOTICE

Ashburton Central 24 Peter Street

Ashburton 263A Cameron Street

This one is for the villa romantics

5

An extraordinary Victorian home, complete with your own turret. Built in an era when craftsmanship, space and style were expected, this grand villa exudes all the beauty and charm of its time. Picture perfect.

Deadline Sale (unless sold prior) 1pm, Wed 23 Jan 2019 201 West St, Ashburton View Sat 11-11.30am or by appointment Eliza Waszczak 021 039 1770

bayleys.co.nz/559067

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WHALAN AND PARTNERS LTD, BAYLEYS, LICENSED REAA 2008

Don't delay, view today

3

1

1

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This beautifully presented townhouse has an open plan kitchen, dining and living area leads to a covered patio. The bathroom has a bath, shower and separate toilet. This centrally located home with easy care section is sure to go fast!

For Sale offers invited over $385,000 View Sat 11am-12pm or by appointment John Lamb 022 171 8321 john.lamb@bayleys.co.nz WHALAN AND PARTNERS LTD, BAYLEYS, LICENSED REAA 2008

bayleys.co.nz/559230

Tinwald 68 Grahams Road 4

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Asking Price $865,000 View Sat 10-10.45am or by appointment Jon McAuliffe 027 432 7769 jon.mcauliffe@bayleys.co.nz Simon Sharpin 027 631 8087 simon.sharpin@bayleys.co.nz WHALAN AND PARTNERS LTD, BAYLEYS, LICENSED UNDER THE REA ACT 2008

Often admired, now for sale This is a beautiful family home set amongst attractive manicured lawns and easy care gardens on a 8,358m2 title, close to all amenities. Built in 2007 by Des Millar Construction Ltd, this modern brick 304m2 four bedroom home has all modern conveniences. The light and spacious open plan kitchen, dining, living area with separate lounge provide stunning views to the mountains.

bayleys.co.nz/558946

Ashburton Surrounds 84 Forks Road 4

2

2

Price by Negotiation View by appointment Jon McAuliffe 027 432 7769 jon.mcauliffe@bayleys.co.nz WHALAN AND PARTNERS LTD, BAYLEYS, LICENSED UNDER THE REA ACT 2008

Attractive dairy farm On offer is a 207.7930 hectare dairy farm in one title plus 17.1 hectares of Crown lease land which has formed part of an approximate 340 hectare milking platform converted in 2007. The total farm milked 1,100 cows in the 2017/18 season producing 484,000kgMS through a 54 bail rotary shed with Waikato plant and all modern in-shed technology.

The 985 metre pivot irrigates 185 hectares with the balance irrigated via sprinklers. Water is gravity fed from the Ashburton River to a 300,000m3 holding pond then pumped to the pivot and sprinklers allowing for a very efficient and low cost system.

bayleys.co.nz/558283

bayleys.co.nz

138 Belt Road

$439,000 • • • • •

52 Carters Terrace

Terrific Street frontage Three bedrooms Two bathrooms Open plan living Lawns patio and fencing complete

$420,000 • Three bedrooms • Huge family living areas • Flow to the gorgeous outdoor entertaining • Family bathroom plus separate wetfloor shower • Attached garaging, manicured section

OPEN HOME SATURDAY, JANUARY 19 11.15AM – 11.45AM

141a Kermode Street

$385,000

OPEN HOME SATURDAY, JANUARY 19 10.00AM –10.30AM

9 Whiteoak Grove

• • • •

Brand spanking new Three bedrooms Open plan sunny living Fully fenced, lawns paths, patios all completed • Great Park views

$620,000 • Four Bedrooms • Interconnecting kitchen and living flowing to the outdoors • Separate Lounge • Log Burner plus heatpump and heat transfer kit • Double attached garage with workshop

OPEN HOME SATURDAY, JANUARY 19 10.00AM – 10.30AM

12 Whiteoak Grove

$579,000 • • • • •

OPEN HOME SATURDAY, JANUARY 19 11.30AM - 12 NOON

85a and 85b Park Street

Four bedrooms Two sunny living spaces Superb flow to the outdoors Double attached garaging Near new all on 747sqm

$329,000 • 2 bedroom townhouse • Open/plan kitchen, dining and living • Single garage internal access • Paths lawns fencing will be completed • Double glassed and insulated

OPEN HOME SATURDAY, JANUARY 19 10.45AM – 11.15AM

64 Kelvin Crescent

$429,000

66 Kelvin Crescent

• • • •

Top Allenton Location Three bedrooms Ensuite Great indoor/outdoor flow with privacy • Sunny open plan living • TWO TO CHOOSE FROM

$445,000 • • • •

Top Allenton Location Three bedrooms Ensuite and WIR Great indoor/outdoor flow with privacy • Sunny open plan living • TWO TO CHOOSE FROM

OPEN HOME SATURDAY, JANUARY 19 10.45AM – 11.15AM

12 Westpark Close

$710,000

OPEN HOME SATURDAY, JANUARY 19 10.45AM – 11.15AM

6 Kelburn Place

$639,000 When it comes to location this home will be hard to beat your living in the country but your in town.

• Four Bedrooms, master with WIR and ensuite • Upstairs games room, office or family retreat • Lovely family bathroom with separate powder room • Kitchen interacts easily with living and dining • Separate living area • Separate office space • Storage Galore • Huge 1158sqm section • Private and Secure

4 bedrooms Walk-in wardrobe and en-suite off main bedroom, separate bathroom with shower, bath & vanity Open plan kitchen, dining and living separate good sized lounge, Double garage internal access, Walk-in pantry Lawns, paths, patios & fencing will be completed.

SBW DEVELOPMENTS LTD LICENSED UNDER THE REA ACT 2008

MARK WILLIAMS PHONE 027 442 2281

DEBBIE BOON PHONE 027 448 4006

BRAD WALLIS PHONE 022 350 2269

THERESA HISLOP PHONE 027 514 1330

326 EAST STREET, ASHBURTON 03 307 4222

80c Harrison Street

$422,000

7 Porter Street

$295,000

• • • • • • • •

Privacy and location Brand new townhouse 3 bedrooms Open/plan kitchen dinning living Very sunny Single garage internal access 2 toilets Paths patios lawns and fences all included • Perfect location near the Allenton shopping centre

17 Murneys Lane

$875,000

• • • • • • • • •

62 Wills Street – Front

• Four bedroom lifestyle property • Interconnecting living flowing to the undercover outdoor patio • Kitchen with top of the line appliance and walk in pantry • Double attached garage/ mancave fully carpeted • Fully fenced swimming pool • Approx 3.24ha

116 Tarbottons Road

PBN

Three bedrooms could be four Two living areas Conservatory Daikin heat pump and an HRV system Good garage, workshop and hobby sheds Swimming pool and landscaped section Handy location Land area- 766m2 Floor area -130m2

$569,000 • • • • • • • •

61 Ludlow Drive

How close to everything 3 double bedrooms Open plan kitchen dining living Very sunny Double garage internal access En-suite off main bedroom Separate bathroom Path, lawns and fencing will be completed. Fully insulated and double glazed

$260,000 Enjoy an incredible Lake Hood lifestyle, with recreation, entertainment and everything you need on your doorstep in this thriving and welcoming community.

• • • • • •

Family and entertainers delight 5 Bedrooms 3 Living areas Triple car garaging off house Alarmed 12x9 Shed Inground salt water swimming pool • 4006m2 Section

Take advantage of two sets of plans drawn for this section or design your own the choice is yours.

Call to discuss the various options today.

SOLD SOLD

UNDER C

ONTRAC

T

SOLD

UNDER CONTRACT

UNDER CONTRACT

When it comes to marketing and selling or purchasing of your home you get an experienced team that works together to get the job done.

Ask us now about our designed for you marketing package at no cost to you.

Remember: if we don’t sell it you don’t pay.

SBW DEVELOPMENTS LTD LICENSED UNDER THE REA ACT 2008

MARK WILLIAMS PHONE 027 442 2281

DEBBIE BOON PHONE 027 448 4006

BRAD WALLIS PHONE 022 350 2269

THERESA HISLOP PHONE 027 514 1330

326 EAST STREET, ASHBURTON 03 307 4222

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Property

GUARDIAN

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SHOW HOME

03 308 5325

0274 367 986

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41 Brucefield Avenue 22 Cross Street 38 Creek Road 117 Racecourse Road 33 Andrew Street 24 Peter Street 21 Churchill Avenue 263A Cameron Street 8 Charles Street 30 Mitchell Place

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141a Kermode Street 64 Kelvin Crescent 66 Kelvin Crescent 138 Belt Road

www.g-drussellbuilders.co.nz

Licensed Builder • Registered Master Builder

G. & D. Russell Builders Ltd

• New housing • Additions and renovations • All types of maintenance • Commercial and farm buildings Our experienced team can meet your needs. Call us today!

Build with confidence.

Build with us.

TINWALD 10-10.30am . . . . . . . . . . . . . . . . . . 52 Carters Terrace 10.45-11.15am . . . . . . . . . . . . . . . . . 12 Whiteoak Grove 11.30-12pm . . . . . . . . . . . . . . . . . . 9 Whiteoak Grove

ASHBURTON 10-10.30am .

10.45-11.15 .

10.45-11.15am 11.15-11.45am

SATURDAY

F

TINWALD 10-10.45am . . . . . . . . . . . . . . . . . . 68 Grahams Road

ASHBURTON 10-10.30am .

10.30-11am .

10.30-11am .

10.45-11.15am 11.15-11.45am 11-11.30am . .

11.30-12pm .

11-12pm . . .

11.30-12pm .

11.45-12.15pm

SATURDAY

g-drussellbuilders@xtra.co.nz

12 noon – 3pm . . . . . . . . . . . . . . . . 8 Whiteoak Grove

SATURDAY BY APPOINTMENT ONLY SUNDAY

TINWALD 8am to 5pm . . . . . . . . . . . . . . . . . 8 Whiteoak Grove

MONDAY - FRIDAY

J

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Tinwald

Open Homes